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Capital Fortune is a bespoke mortgage broker based in the City of London specializing in securing in mortgages for barristers and other professionals. The system of remuneration at the Bar is unique. Barristers requiring mortgages need to satisfy the mortgage lender that the loan is affordable, yet net income is not always a true reflection of a barristers potential earnings. Gross payment receipts do not reflect a large aged debt or projections on future earning particular for those just starting out at those at the junior end of the Bar.
The associated costs of rent, travel, legal subscriptions and subsistence, often reduce the net figure down to around 30- 40%. As a result, standard mortgage income multipliers applied to the net income of Barristers can be unclear, as they do not reflect true income.
We have helped a number of clients in these situations and our experience makes us specialists in this area. We will immediately know the most competitive lenders likely to accept your situation and which lender will agree our funding application. To discuss the options, call us or request a call back online.
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Capital Fortune are a blessing..I feel like Ive got the best rate on the market and a very personable and friendly service Reuben, South London, SE27 |
We have been voted the Overall Adviser of the Year for the largest UK mortgage and protection network, two years in a row and have recently won a national industry award for Excellence in Treating Customers Fairly. A number of our clients watched us on BBC TV Newsnight and supported our shortlist nomination for Best UK Mortgage Adviser at the prestigious Money Marketing Financial Services Awards 2011.
Our Barrister clients are typically seeking cost effective arrangements through mainstream lenders and seek our advice on the range of professional exclusive products not advertised on the high street. They usually want us to explore not only the standard mortgage options, but the specific products targeted at Barristers, particularly those in well established Chambers, including those offered by the private Banks. A degree of diplomacy and negotiation is required when dealing with a Barristers mortgage application and we assist many clients in these situations.
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It was quite an easy decision to make.the run of the mill mortgage brokers really werent going to be able to help me on this one. I would recommend Capital Fortune to any one asking and I do so too Joe Crosby, Golders Green |
Barristers using our service, appreciate our ability to contact senior underwriters to discuss their particular case directly, allowing us to save time, money and disappointment. They tell us they like our ability to quickly advise on which lenders offer preference to the profession and at what rates they can secure the required funding.
We have helped a number of clients in similar positions and our experience makes us specialists in this area. We will immediately know the most competitive lenders likely to accept your professional status and which lender will agree our funding application. To discuss the options, call us or request a call back online.
Clients making contact, typically tell us of their frustration at the current restrictions on finance offered by the mainstream high street banks. They have a good income to support the borrowing and have a healthy deposit for a purchase or significant equity to undertake a remortgage. They do not understand why the vast majority of lenders have lost their appetite for lending and they want to obtain the most competitive rate, based on their individual circumstances. There can also be sensitive issues around client confidentiality and financial arrangements require careful and detailed handling.
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We are now on our second mortgage with Capital Fortune and recommend them to friends and familyEHB, London |
Typically, we will ensure you meet the banks criteria and our provisional assessment will be based on your requirements and the affordability of your mortgage payments. Our Advisers will quickly tell you, whether you qualify for the professional mortgage schemes on offer from the whole of the market. Call us today on 0845 3630 430 for a provisional assessment on whether you qualify and whether we are right to help.
For more information on our Barrister mortgage premier service, call us today on 0845 3 630 430 or Enquire Online.
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